Consumer and banking · Loan insurance · the AERAS process
AERAS and health-related loan insurance refusals in France
AERAS organises assessment of certain loan-insurance applications involving aggravated health risk, without guaranteeing acceptance. The statutory medical-questionnaire exemption is separate: for covered mortgages it requires aggregate insured exposure of no more than €200,000 per insured person and the new credit ending before their 60th birthday. Examine refusal by assessment level and stated process without disclosing diagnoses on this page.
- Official texts cited
- Sources checked on
- Drafted with AI assistance, our method
General legal information with official references and dated checks. It is not personalised advice: for a decision that commits you, have your situation checked by a qualified professional.
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Does exactly €200,000 exceed the threshold?
No. The limit is inclusive, but it concerns aggregate insured exposure.
Read the referencesLet’s prepare insurer questions about AERAS and the exemption without diagnoses on this page.
3 free questions at signup. Avoid names and sensitive information.
Which procedural branch needs checking?
Choose only credit, exposure and end-date categories, without medical information.
Fictional example · Your preparation worksheet
The entered criteria match the no-health-information-or-examination branch of L113-2-1, subject to confirmation of category, aggregate exposure and credit end.
- Confirm the insured share, all relevant outstanding credit and the end date.
- For refusal, request the assessment level and how to obtain reasons from the insurer’s doctor.
- Explore another insurer or alternative security with the lender; AERAS guarantees neither insurance nor credit.
No diagnosis, treatment or medical report is requested. The questionnaire exemption and third-level AERAS assessment are distinct mechanisms.
When is medical information prohibited?
For covered credit, L113-2-1 requires both aggregate insured exposure of no more than €200,000 per insured person and the new credit ending before age 60. Property price and age at application do not replace these facts.
What does the governing text say about the aeras process?
La part assurée sur l'encours cumulé des contrats de crédit n'excède pas 200 000 euros par assuré
In plain English: The L113-2-1 exemption has two cumulative conditions; AERAS retains its own assessment process.
Does AERAS guarantee insurance or lending?
No. It applies to the aggravated-health-risk assessment process but may result in refusal or special terms. Questionnaire exemption is not a promise that credit will be granted either.
How should a refusal be examined?
Identify the assessment level and information supplied. Medical reasons can be requested in writing from the insurer’s doctor through the appropriate process. This public worksheet needs neither your diagnosis nor examination results.
Site officiel AERAS, Direction générale du TrésorConvention AERAS 2023, texte officiel
Which mechanisms must be kept separate?
| Mechanism | Check |
|---|---|
| No questionnaire | Insured exposure and ending before 60 |
| AERAS | Assessment level and conditions |
| Right to be forgotten | Specific conditions through a confidential process |
Code des assurances, article L113-2-1Site officiel AERAS, Direction générale du TrésorConvention AERAS 2023, texte officiel
Does third-level assessment use the exemption thresholds?
No. Third-level access includes, among other conditions, a €420,000 limit and cover ending before age 71, with credit-category and principal-residence bridging-loan rules. Confirm these in the applicable convention.
Service Public : AERAS et assurance du prêt immobilierConvention AERAS 2023, texte officiel
Is the right to be forgotten the questionnaire exemption?
No. It concerns, among other things, cancer and hepatitis C five years after treatment-protocol completion without relapse, with applicable insurance end-age conditions. Handle it through the appropriate confidential process, not a public medical questionnaire here.
Site officiel AERAS, Direction générale du TrésorService Public : AERAS et assurance du prêt immobilier
What else should you know about the aeras process?
Does exactly €200,000 exceed the threshold?
No. The limit is inclusive, but it concerns aggregate insured exposure.
Does ending on the 60th birthday qualify?
No. The provision requires ending before that birthday.
Must a diagnosis be entered in the tool?
No. It asks only procedural and amount-category questions.
Can another insurer be explored after refusal?
Yes, as well as alternative security with the lender, without guaranteed acceptance.
Which sources explain the aeras process?
- Code des assurances, article L113-2-1Légifrance / DILA
- Site officiel AERAS, Direction générale du TrésorDirection générale du Trésor
- Service Public : AERAS et assurance du prêt immobilierService Public / DILA
- Convention AERAS 2023, texte officielAERAS signatories / DG Trésor
Texts cited last checked: 19 October 2026